Snowbird Financial Consulting

04/29/2026

The Bank of Canada held rates at 2.25% again today.
For Canadian snowbirds, that means stability—at least for now.

After a full year of rate cuts in 2025, borrowing costs have leveled off. If you’ve been waiting for clarity before buying in Florida or refinancing a U.S. property, this is it.

04/27/2026

Featured in the latest Naples REALTOR® magazine on Canadian buyers returning to Florida.

Cameron Mackie, a mortgage broker working across Canada and the U.S., was quoted on the shift in cross-border buyers.

Demand hasn’t gone away—it has become more calculated, with currency, cost of living, and financing considerations playing a larger role.

Full article: https://lsc-pagepro.mydigitalpublication.com/publication/?i=862888&p=22&view=issueViewer

02/26/2026

At SFC, we work with clients and partners navigating cross-border real estate every day. That’s why we’re proud to be part of this upcoming panel focused on foreign national financing and global investment strategies for U.S. real estate.

Financing Across Borders

Global buyers are active in our market. Are you ready to guide them with confidence?

Join us on March 20 from 8:30–11:00 AM at the Naples Conference Center for an in-depth discussion on foreign national financing for U.S. real estate.

You’ll learn how to:
• Master foreign national financing strategies
• Avoid legal, tax, and lending pitfalls
• Leverage global investment trends
• Apply practical, actionable insights in your business

Hear from industry leaders in commercial lending, mortgage banking, 1031 exchanges, and real estate education as they share real-world expertise you can put to work immediately.

Registration is $10 and includes breakfast.

Secure your seat and strengthen your global advantage.

02/15/2026

02/02/2026

Proud to be part of the NABOR 2026 Global Business Committee, contributing to the growth of international connections and cross-border investment.

We're so excited to welcome our 2026 Global Business Committee members! Looking forward to a fun but productive year 🌏🎉

01/12/2026

As we move into the new year, I’d like to wish you a happy, healthy, and successful year ahead. I look forward to helping you navigate your goals in 2026.

12/09/2025

Budget 2025 includes a few updates that could impact your plans on both sides of the border — whether you’re maintaining a home in Canada, investing in the U.S., or planning renovations before heading south. Here are the key points to keep you in the loop.

11/26/2025

Happy Thanksgiving! Please note that our offices will be closed on Thursday, November 27th and Friday, November 28th. We will reopen on Monday, December 1st. Thank you!

10/30/2025

Bank of Canada Cuts Interest Rate by 0.25%.

What this means for Canadian Snowbirds looking at a U.S. vacation home:
✔️ Cross-border mortgages – If you’re using Canadian financing or tapping home equity for your U.S. purchase, lower borrowing costs could save you money.
✔️ Variable-rate loans in Canada – Your monthly payments may ease, freeing up more cash flow.
✔️ Financing flexibility – Whether you use a Canadian refinance, or a U.S. mortgage program for Canadians, this cut improves your overall borrowing power.

Message me to learn how this interest rate change could open the door to your vacation property in the U.S.

10/10/2025

Happy Thanksgiving from all of us! We’re thankful for our wonderful clients, partners and staff. Please note: our office will be closed on Monday and will reopen the next day.
Enjoy your time with loved ones!